中国商业银行的发展现状与趋势

The Current Situation and Trend of Commercial Banks in China

在我国＂新常态＂背景下,经济增速放缓,结构需要调整,要实现＂新常态＂下的经济稳定与供给侧改革,金融的核心--银行势必要起到关键作用。目前,银行业呈现出整体贷款增速回升、不良贷款反弹、存贷利差收紧、＂宽进严管＂等新常态特征,在新的时代背景条件下,通过梳理我国银行业的形成过程和现状来预测其发展趋势具有十分重要的意义。

Under the background of the ＂New Normal＂ of economic,the structure need to be adjusted to achieve economic stability and the supply side reforms under the new normal,the core of finance--banks is bound to play a key role.At present,the banking industry shows the overall loan growth rebound,rebound of non-perform-ing loans,loan spreads tightened and wide into the strict control of the new normal feature,in the new era background,has very important significance to predict the development trend of the formation process and cur-rent situation of China＇s banking industry.